First National Bank of Hartford: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 4.65%. Within Alabama, First National Bank of Hartford is 18th of 93 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. First National Bank of Hartford reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 8.24% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $593K |
| Interest expense on deposits | $593K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.08% | 1.36% | 3.79% | 7.12% | 2.02% |
| Q4 2023 | 5.23% | 1.69% | 3.60% | 7.32% | 1.87% |
| Q1 2024 | 5.45% | 1.68% | 3.83% | 7.51% | 2.04% |
| Q2 2024 | 5.61% | 1.71% | 3.91% | 7.70% | 1.92% |
| Q3 2024 | 5.95% | 1.74% | 4.19% | 8.12% | 1.97% |
| Q4 2024 | 5.90% | 1.72% | 4.16% | 8.04% | 2.25% |
| Q1 2025 | 5.75% | 1.58% | 4.17% | 7.85% | 2.25% |
| Q2 2025 | 6.03% | 1.53% | 4.50% | 8.13% | 2.46% |
| Q3 2025 | 6.14% | 1.53% | 4.66% | 8.29% | 2.52% |
| Q4 2025 | 6.19% | 1.56% | 4.67% | 8.29% | 2.56% |
| Q1 2026 | 6.08% | 1.56% | 4.53% | 8.03% | 2.59% |
| Q2 2026 | 6.19% | 1.55% | 4.65% | 8.24% | 2.66% |
First National Bank of Hartford yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Hartford, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Hartford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2804) · FFIEC NIC profile (RSSD 112332)